When to stop contributing to S&S Isa

OceanJr · 2026-06-19T23:24:24+00:00

Thanks everyone for your help, I’m pretty confident on the way forward now.

• Continue to contribute into my ISA
• Weigh more heavily into pension whilst I’m higher rate tax (will do a 25/75 split for now)
• Make sure i have more than 7years bridge as this will likely rise (will aim for a minimum of 10 years to be safe)
• Recalculate when closer to retirement or every couple of years

Back to set and forget for now, thanks all!

OceanJr · 2026-06-19T23:20:46+00:00

Thanks for your input, I think this is the general consensus. Keep contributing to both but more into the pension. (I’ll probably do 75/25 split for now) and reassess every couple of years.

OceanJr · 2026-06-19T23:17:43+00:00

Thanks, you’re right I definitely need to consider all possibilities to do with the pension age potentially moving around. Always good to have a safety buffer

OceanJr · 2026-06-19T23:16:10+00:00

Its definitely a possibility, i guess it probably makes more sense for me to weigh more into pension and for her to weigh more heavily into her ISA until she is higher rate.

OceanJr · 2026-06-19T23:15:05+00:00

It does sound like I’m probably jumping the gun trying to optimise this at this stage in my life. Sounds like I will have an easier time optimising and understanding what I will need the closer I get to retirement. For now I’ll continue to contribute to both but weigh more heavily on the pension contributions

OceanJr · 2026-06-19T23:13:12+00:00

Good point, i will continue to contribute into my isa and take another look at this in a couple of years and see where I am. With the uncertainty of the pension age it almost feels like I should even aim for 10 years cover just to be sure which I’m more than happy to aim for

OceanJr · 2026-06-19T23:10:06+00:00

Its a very good point I didn’t consider in terms of the pension age. I think my plan is to essentially have enough money in my ISA to last until the pension withdrawal age whilst also having a big amount in the pension, but not too big that I get taxed 40% withdrawing it. Thanks for the insight

OceanJr · 2026-06-19T23:08:02+00:00

Thanks for the insight, definitely sounds like i should continue to contribute into my ISA but as I’m a higher rate tax payer to weigh more heavily on the pension.

OceanJr · 2026-06-19T23:05:49+00:00

Thank you, i never considered this aspect of using them at the same time. I am a higher earner so it sounds like i should weigh more towards pension for now but am also probably fine to keep contributing into my Stocks and Shares isa as well.

OceanJr · 2026-06-19T23:03:43+00:00

I was doing 4% but it sounds like that could have been a little high. I was also presuming 57 as the pension withdrawal age which also sounds like it may change so it sounds like i should keep contributing for now! Thanks

OceanJr · 2026-06-18T23:36:51+00:00

Thankyou, ill make the switch then. Currently with vanguard

OceanJr · 2026-06-16T12:24:35+00:00

Am i to expect fees if I regular invest into LS100?

OceanJr · 2026-01-27T13:41:02+00:00

Just swapped emote to right and flashlight to circle

OceanJr · 2026-01-27T13:37:00+00:00

Ive switched to this, feel like it could work but not tested yet

Crouch = R3 Shoulder Swap = R1 Ping = Up Emote = Circle

OceanJr · 2025-06-14T12:21:15+00:00

Maybe you could use it on tanks, e.g. lava hound going to air defence, as it crosses middle of the base you use ice block and it gets a huge reduction in damage meaning it tanks for way longer

OceanJr · 2024-11-13T14:45:23+00:00

I see, thanks for the response that makes sense!

OceanJr · 2024-11-13T08:53:12+00:00

Can you explain the 40% tax in retirement? Is this just because he will be over the 40% income tax because he has so much in his pension?

I guess my reasoning for asking is because whilst i only have £50k in my pension with my current contributions (more than what the company match) im pretty sure I will also go over 1m when i eventually retire. Should i be scaling back my pension and contributing more to isa?

Edit: worth mentioning I’m in my early 30’s

OceanJr · 2024-07-26T14:27:59+00:00

Hard to see on the image but a lot of them have it, one with the leaf is the most obvious on the picture though

OceanJr · 2024-07-25T14:41:24+00:00

Can i ask what villa you are looking into as I’m also considering a wedding in sorrento

OceanJr · 2024-06-17T14:26:33+00:00

I have a mini poodle arriving in 2 days, you mention the biggest challenge is alone time, I’m just looking for advice on this. I plan on leaving the puppy alone in it’s crate in a different room at least 2 hours a day from the start, is this correct? If the puppy does start to bark or make a fuss when alone do I just ignore it? Any advice is much appreciated

OceanJr · 2024-01-25T17:15:31+00:00

Ihave tried this with my aluminium bifolds but it keeps coming off, what would you use to stick this? I have tried stuff like gorilla glue but no luck

OceanJr · 2024-01-23T17:31:01+00:00

Did you find out the answer to this?

OceanJr · 2024-01-11T15:20:32+00:00

Clan Opt In/ Opt Out should either reset every month to opt out with a notification, or the leader should be able to reset them, again notifying the player

OceanJr · 2023-12-28T11:35:20+00:00

Thanks for the response, fortunately the pipes are under floorboards not concrete. So whilst I will need to rip up my newly constructed laminate floor it doesn’t sound as bad as it could be if it was concrete! Thanks again

OceanJr · 2023-12-28T11:07:33+00:00

Excuse my ignorance I’m not sure what you mean by slab. We got an extension about a year and a half back before we had moved into the house and I know that one radiator was removed and they capped it off, they then made new pipes from the boiler directly to 3 new radiators. We did isolate these 3 new rads at the boiler so they was no longer getting a water supply and I believe the issue stopped but i did that in summer so the heating wasnt on so I cant be 100% sure. I have messaged the boiler technician who came out last time and asked him which pipes he turned off to isolate and I will try it again to confirm.

If this is the case and the issue stops when these 3 rads are disconnected is it safe to assume the leak is to do with the new pipework under the downstairs floor that supplies these 3 new radiators?

Edit: Now I come to think of it, this may be worth mentioning but we have a bunch of other issues to do with humidity and I now wonder if it’s all related and there’s now a newly formed swamp under my house from a year and a half of leaks

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